Model premiums, contributions, HSA savings, and medical usage. Track deductibles, coinsurance, and yearly totals clearly. Compare benefit options confidently before making your enrollment decision.
Use monthly premium values and annual plan values. Employee premium is treated as your payroll deduction amount.
| Scenario | Employee Premium / Month | Deductible | Coinsurance | Out-of-Pocket Max | Expected Charges | Employer HSA | Net Annual Cost |
|---|---|---|---|---|---|---|---|
| Individual Example | $185.00 | $3,200.00 | 20% | $6,500.00 | $9,000.00 | $1,000.00 | $4,812.00 |
| Family Example | $410.00 | $5,500.00 | 20% | $9,500.00 | $14,500.00 | $2,000.00 | $7,392.00 |
| Low Utilization Example | $160.00 | $3,000.00 | 15% | $6,000.00 | $1,800.00 | $750.00 | $1,790.25 |
These rows illustrate how plan design, usage, and HSA funding can change annual cost outcomes.
1. Annual employee premium
Annual Employee Premium = Monthly Employee Premium × 12
2. Eligible charges after preventive care
Eligible Charges = Expected Allowed Charges − Preventive Care Covered at 100%
3. Deductible amount paid by the employee
Deductible Paid = Lesser of Eligible Charges or Annual Deductible
4. Coinsurance paid after the deductible
Remaining Charges = Eligible Charges − Deductible Paid
Coinsurance Paid = Remaining Charges × Coinsurance Rate
5. Employee medical responsibility
Employee Medical Cost = Deductible Paid + Coinsurance Paid, capped at the out-of-pocket maximum
6. Estimated HSA tax savings
HSA Tax Savings = Employee HSA Contribution × Marginal Tax Rate
7. Projected net annual employee cost
Net Annual Cost = Annual Employee Premium + Employee Medical Cost − Employer HSA Contribution − HSA Tax Savings
This calculator estimates cost using allowed in-network charges, fully covered preventive care, and standard deductible-plus-coinsurance logic. Premium payroll tax treatment, copay carve-outs, and employer-specific rules are not separately modeled.
Enter your coverage level first, then add your monthly payroll premium and your employer’s monthly premium contribution.
Type the plan deductible, coinsurance rate, and annual out-of-pocket maximum exactly as shown in your benefits summary.
Add your expected allowed medical charges for the year. Then enter the preventive care amount you expect the plan to cover fully.
Include employer HSA funding, your own HSA contribution, your current HSA balance, and your estimated marginal tax rate.
Click Calculate HDHP Cost to see the results above the form. Use the CSV and PDF buttons to save your breakdown.
It estimates annual employee premiums, projected medical responsibility, HSA tax savings, employer support, and a net yearly cost view. It helps compare likely and worst-case spending under a high deductible health plan.
Allowed charges are the negotiated in-network amounts recognized by the plan. They are usually lower than provider billed charges, so using allowed amounts gives a more realistic estimate.
Many HDHPs cover eligible preventive services at 100 percent before the deductible. Separating those costs prevents them from overstating your deductible and coinsurance exposure.
Yes. Employer HSA funding is subtracted from your projected net annual cost and added into total HSA resources, because it offsets what you may need to pay from your own pocket.
Your HSA contribution is your own money moved into a tax-advantaged account. The calculator counts the tax savings from that contribution and shows available HSA resources separately to avoid double counting.
It assumes you hit the plan’s out-of-pocket maximum for eligible care. The result adds annual employee premiums, then subtracts employer HSA funding and estimated HSA tax savings.
Yes. Run the calculator once for each option using the same medical usage assumptions. Then compare projected net cost, worst-case cost, employer support, and remaining HSA cash needs.
It is a planning tool, not legal or tax advice. Always confirm payroll treatment, network rules, covered services, embedded deductibles, and HSA eligibility details with your employer or insurer.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.